Moskalenko Olena

Kharkiv banking institute of banking University

National bank of Ukraine

Resource maintenance of the banking investment crediting

In modern conditions of economic transformation and development of market relations, it is necessary to create a new and modernizate working capacities. In this case, the participation of banks in reproduced processes will grow. The using of the bank credit as source of investment is one of the important aspects in activization of investment activity.

The bank investment crediting is a condition of economic development and directed on construction, expansion, reconstruction of manufacture. Development of practical questions in investment crediting and formations of the appropriate resources – it is necessary stage of preparation and entry of Ukrainian economics in a phase of economic growth.

The purpose consists of working practice consideration of bank crediting in the investment projects, searching of directions in improvement of research project on the basis of ordering the existing offers concerning this question.

The investment activity in our country has been grown during last years. It became one of the major factors of high rates in economic growth. Its dynamics caused not only favorable conjuncture in the external markets and increasing incomes, demand’s ability to pay of the populations, but increasing volumes of the bank investments.

Yes, the level of investment is still unsufficient in our days, proceeding from present requirements of the Ukrainian economics, but the investment process has already been a parameter’s growth of a national economics, rating of trust on the part of the potential investors.

Giving the long-term investment credits to all categories of the clients, the bank’s assists to the region’s development, which they serve. It, certainly, influences to the increasing of a vital level of the population. Undoubtedly, investment crediting has some risks, and for its control the bank establishments should develop and introduce the policy of a long-term investment. This policy is focused on the formation of appropriate credit portfolio, which will assist the maintenance of conformity to bank’s activity to the normative requirements of regulating bodies and increasing profit. For this purpose it is necessary to have the competent management of bank, the appropriate professional training and personnel’s experience, and also appropriate bank’s credit policy, which defines the priority loans.

The carried out analysis of crediting features of the investment projects has shown, that the basic parameter, which defines the availability of credit resources, is level of the interest rate for them.

The increasing of volumes and efficiency of bank investment crediting are connected with many problems. Among them there are unsufficient stability of macroeconomics situation in Ukraine; imbalance of bank’s actives and passives; high cost of credit bank’s resources and the large risk level under investment crediting.

In general, these problems are connected with unsufficient financial potential of the majority of Ukrainian banks for investment maintenance of the large projects and programs.

Consideration and the analysis of the stated above questions have caused necessity to find out the ways of improvement in research process. The author has analysed the existing offers concerning to these questions and has systematized them in the following directions.

The first. The banking system of Ukraine has sufficient potential for escalating of a long-term resource base. Under condition of increasing long-term bank’s base of resources through the using of a replaceable part of ”cheap” current passives to reduce cost of the investment credits and to increase the volumes and terms of crediting in the investment projects.

One of the way to decide this question it can be the model of using a variable part from the current passives for the formation of investment resources. Its using will become a real opportunity for the effective elimination of the problems, revealed during this research.

Secondly. It is necessary to have the coordinated actions of the National bank of Ukraine with other banks. The National bank of Ukraine can ensure the regulation of increasing money weight and the structures of refinancing volumes for banks on macroeconomics level. It is necessary to have effective accommodations of credit issue for the banks, which have been received from the National bank of Ukraine by refinancing.

Thirdly. Undoubtedly, investment crediting has some risks. The investor will never have at his disposal the complete estimation of risk, as a variety of external environment always exceeds the administrative opportunities over the one who makes a decision. In this case the unexpected script of developing events can break all investment process. For the decision of this problem the parameters of a estimation’s risk for investment crediting projects with using of an indistinct sets method have been used. With its help it is possible to measure a risk level of the investment decisions along all term of crediting. Their application in practice will give the result of a risk level reduction for all investment process.

At the end of the conclusions it is possible to underline, that the socio-economic development in Ukraine is impossible without increasing of the investments. The competitiveness of economics, its structural reorganization, realization of innovation strategy depends on investment sphere conditions.

On this basis, the banks are able to carry out the following actions, mobilizing internal resources for the financing of the investment projects: 1) to have an opportunity of a direct output to the world financial market with the purpose of attraction of the foreign capital for investment projects realization; 2) to accept direct participation in development of the projects and investment programs with participation of the foreign capital; 3) to carry out the functions of one of the financial government agents for ensure effective accommodations of the foreign investments in the national economics.